Cash Chats UK Money & Personal Finance podcast

Mid-January is one of the peak times for people applying for balance transfer credit cards. In this episode Andy has explored how you can clear your credit card and store credit debts and reduce how much they're costing you. Find out how to make a 0% balance transfer card work for you, and why it might not be the magic bullet for your debts. Further reading > 0% Balance transfer cards explained > Quickly clear your credit card debt > Santander 123 current account changes > Natwest and RBS Reward account changes ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then at the end of each week stay tuned for a bonus "deals of the week" rundown of the hottest offers from the last seven days. Andy also runs the award-winning website Be Clever With Your Cash, presents Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/

January is peak holiday booking time, with "early bird" deals tempting people to book now and have something to look forward to during the dark winter months. In this episode Andy has taken a look at whether you should be booking now, or if you should wait. Plus his tips for making sure you're getting the best value for money on your flights and hotels. FURTHER READING How to find a cheap flight https://becleverwithyourcash.com/find-cheap-flight/ How I get the best value hotel rooms https://becleverwithyourcash.com/how-to-save-money-on-hotels/ Is your holiday protected? https://becleverwithyourcash.com/is-your-holiday-protected/ Last minute holidays - the best way to book https://becleverwithyourcash.com/last-minute-holidays-the-best-way-to-book/ Deals of the week https://becleverwithyourcash.com/deals/ ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then at the end of each week stay tuned for a bonus "deals of the week" rundown of the hottest offers from the last seven days. Andy also runs the award-winning website Be Clever With Your Cash, presents Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/

With the year (and the decade!) over, Andy has looked back at the big personal finance topics of the year to see whether it's been good or bad for you and your money. Plus, deals of the week. FURTHER READING Food stockpiling tips American Express welcome bonus changes Latest bank switching offers Natwest and RBS cashback to end Overdraft cost increases Tesco Clubcard Plus review Bad broadband changes Links to all this week's offers over on Be Clever With Your Cash ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. Cash Chats episodes go live twice a week. At the start of the week Andy is often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick rundown of the hottest offers from the last seven days. Andy also runs the award-winning website Be Clever With Your Cash, presents Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/

0% interest finance isn't new. For a set period you can borrow money - usually for a large expense - and as long as you pay it off you don't get charged interest. This isn't necessarily a bad thing - I've used it myself. But now the likes of Klarna and Clearpay are making it easier than ever to get it, and often on cheaper, more affordable items such as fashion. So in this episode I've looked at the different 0% options, from credit cards through to finance deals through to these newer services, and shared when they could be the right option, and when they probably aren't. FURTHER READING Should you buy now and pay later? Links to all the deals of the week' over on Be Clever With Your Cash ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. Cash Chats episodes go live twice a week. At the start of the week Andy is often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick rundown of the hottest offers from the last seven days. Andy also runs the award-winning website Be Clever With Your Cash, presents Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/

A bad present, either because it's not been thought through or it's just a lazy purchase, is one of the worst wastes of money as there's every chance it'll end up in the bin or just at the back of a cupboard unused. So in this episode, Andy shares why he hates Secret Santa and how you can make sure whatever gifts you buy actually to live up to the old adage that it's the thought that counts. He'll also look at whether regifting is ok. FURTHER READING Links to all this week's offers over on Be Clever With Your Cash Should you regift an unwanted present? Five alternative gifts where the thought really does count ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. Cash Chats episodes go live twice a week. At the start of the week Andy is often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick rundown of the hottest offers from the last seven days. Andy also runs the award-winning website Be Clever With Your Cash, presents Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/

Can you really get a bargain in the Black Friday sales? A report this week claimed only one in five Black Friday deals were at their cheapest on that day in November last year. In the podcast this week I've taken a look at why that might be and assessed a handful of the offers already. Plus, a warning about buy-now, pay-later services such as Klarna. Further reading: My huge list of the best Black Friday offers Ep99 - How to get the best price Price matching tricks ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. Cash Chats episodes go live twice a week. At the start of the week Andy is often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick rundown of the hottest offers from the last seven days. Andy also runs the award-winning website Be Clever With Your Cash, presents Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/

This week, to celebrate 100 episodes, I'm going to share with you some easy ways to get free money. No faffing around with filling in surveys. No buying things you wouldn't normally buy, or getting part of the money back. No fees or subscriptions. No upfront payments. This is all from just normal spending. 100% Profit. You'll get hard cash or in a few cases gift vouchers - not money off or discounts. Not predicted savings by switching. Actual cash. And the money will be yours. The money won't be overnight in your bank account. Some of this could take a few months, possibly longer. But if you've got a bit of time, I think it's well worth it. Some of the payments are small, starting at just a few quid. Some are huge, up to £175. You might not be able to do all of them, but I hope you'll be able to get at least £100, if not five times that much. FURTHER READING These links and values are all correct at the time of recording. Get £5 from Curve Get £5 from Cleo Get £20 from Monese - Use code ANDR4552 Credit card rewards including John Lewis £30 reward M&S £25 reward American Express Nectar £30 cashback American Express Platinum Cashback Everyday £15 cashback How to check the chances of getting approved for a credit card before applying Cashback welcome bonuses including £17 from Quidco £15 from TopCashback How cashback sites work Free cash from banks including £50 cashback from Quidco for TSB £175 reward for switching to HSBC £150 reward for switching to Natwest or RBS £100 refer a friend bonus from Nationwide Deals of the week Giveaway details As part of the 100th episode celebrations, I'm giving four listeners £25 john Lewis gift cards. All you need to do is leave me a review and a rating on Apple Podcasts on your phone - or it could still be via iTunes on a computer. Then I need you to screen grab your review and email me at andy@becleverwithyourcash.com. Instructions on how to do this can be found at BeCleverWithYourCash.com/podcastreviews. This giveaway closes at midnight on 31st December 2019. I'll then put all those emails together in a hat and pick out four winners. If you're successful I'll email you in early January with further details. ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. Cash Chats episodes go live twice a week. At the start of the week Andy is often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick rundown of the hottest offers from the last seven days. Andy also runs the award-winning website Be Clever With Your Cash, presents Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/

Getting the best price is much easier when you know how to compare prices, check price history, use price matching and set price alerts. In this week's episode Andy takes you through how he does all of these, including the websites and apps that'll take most of the hard work away. Plus the latest deals of the week including saving at the theatre and boosting your Asda Christmas shopping funds. FURTHER READING Where to price match How to search price history ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. Cash Chats episodes go live twice a week. At the start of the week Andy is often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick rundown of the hottest offers from the last seven days. Andy also runs the award-winning website Be Clever With Your Cash, presents Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/

One of the easiest ways to make some extra cash is to shop via cashback websites. In the last six years, I've made more than £4,000 using the main sites - TopCashback and Quidco. Easy money. Free money. It might sound like it's too good to be true, and there are risks associated, but it's a quick win for any savvy shoppers. Here's how they work and what to watch out for. FURTHER READING Get a £17 new customer bonus at Quidco https://becleverwithyourcash.com/newsletter/ Get a £10 new customer bonus at TopCashback https://becleverwithyourcash.com/cashback-sites-boost-savings-sign-bonus/ How to boost cashback https://becleverwithyourcash.com/cash-hack-boost-cashback-10/ ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. Cash Chats episodes go live twice a week. At the start of the week Andy is often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick rundown of the hottest offers from the last seven days. Andy also runs the award-winning website Be Clever With Your Cash, presents Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/

There have been some big changes to the world of supermarket loyalty schemes. First Nectar added extra ways to earn points at Sainsbury's, and now Tesco has launched a premium option costing £7.99 a month. Along with the forthcoming Nectar Double Up event, Andy has looked at what the points are worth, and how to make sure you're getting the most you can for your points. Plus, the deals of the week bonus episode is now part of the main podcast, so keep listening to find out the half dozen top deals that Andy has spotted this week to save you money, including a free £30 John Lewis voucher and discounts at Odeon, Vue and more. FURTHER READING What are loyalty card points worth? The best Tesco Clubcard deals Tesco Clubcard Plus review – is it worth £7.99 a month? The best ways to collect and spend Nectar points Why I hate the Nectar double-up points promotion at Sainsbury's (and how to get the best out of it) Deals of the week ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers annual awards. Cash Chats episodes go live twice a week. At the start of the week Andy is often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick rundown of the hottest offers from the last seven days. Andy also runs the award-winning website Be Clever With Your Cash, presents Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/